MoneyHero Limited Financials
MoneyHero Limited (MNY) reported $73.4M in revenue for fiscal year 2025, down 7.7% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
The dominant mechanic is persistent operating cash consumption despite a narrower reported loss, while liquidity remains supported by a lightly leveraged balance sheet.
The earnings recovery in FY2025 was not yet a cash recovery: net loss narrowed from-$37.8M in FY2024 to-$5.2M , yet operating cash flow remained negative at-$10.2M . Free cash flow of-$10.4M nearly matched operating cash flow, showing that the reduced accounting loss still had not translated into self-funding operations.
Revenue in FY2025 was
The balance sheet remains minimally debt-funded, with debt-to-equity at 0.006x and financing cash flow of
Financial Health Signals
MoneyHero Limited does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
MoneyHero Limited reported a net loss of $5.2M while operations used $10.2M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
MoneyHero Limited generated $73.4M in revenue in fiscal year 2025. This represents a decrease of 7.7% from the prior year.
MoneyHero Limited reported -$5.2M in net income in fiscal year 2025. This represents an increase of 86.3% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Cash & Balance Sheet
MoneyHero Limited recorded an outflow of $10.4M in free cash flow in fiscal year 2025, representing a cash shortfall after capex. This represents an increase of 58.9% from the prior year.
MoneyHero Limited held $31.2M in cash against $240K in long-term debt as of fiscal year 2025, with $36.8M of liabilities due within a year.
Not reported for fiscal year 2025.
Margins & Returns
MoneyHero Limited's net profit margin was -7.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 40.5 percentage points from the prior year.
MoneyHero Limited's ROE was -13.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 65.2 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
MoneyHero Limited invested $123K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 63.7% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
MNY Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Revenue | $73.4M-7.7% | $79.5M-1.4% | $80.7M+18.4% | $68.1M+10.1% | $61.9M |
| Interest Expense | $54K+126.3% | $24K-51.0% | $48K+14.8% | $42K-12.5% | $48K |
| Income Tax | $40K-62.9% | $109K+72.9% | $63K+125.0% | -$252K-559.6% | -$38K |
| Net Income | -$5.2M+86.3% | -$37.8M+78.1% | -$172.6M-249.1% | -$49.4M-59.8% | -$30.9M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EPS (Diluted).
MNY Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Current Assets | $74.3M-5.1% | $78.3M-26.8% | $106.9M+119.9% | $48.6M | N/A |
| Cash & Equivalents | $31.2M-26.7% | $42.5M-38.1% | $68.6M+185.1% | $24.1M+162.0% | $9.2M |
| Accounts Receivable | $18.7M+38.5% | $13.5M-21.5% | $17.2M+78.0% | $9.7M | N/A |
| Goodwill | $17.6M | N/A | N/A | N/A | $4.3M |
| Current Liabilities | $36.8M+14.5% | $32.1M-10.0% | $35.7M-8.5% | $39.0M | N/A |
| Long-Term Debt | $240K-18.4% | $294K+834.3% | $31K-89.3% | $293K | N/A |
| Total Equity | $39.4M-18.3% | $48.2M-39.0% | $79.1M+399.8% | $15.8M+95.3% | $8.1M |
Not reported in any period shown, so not listed: Total Assets, Inventory, Total Liabilities, Retained Earnings.
MNY Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$10.2M+58.8% | -$24.9M-46.0% | -$17.0M-16.7% | -$14.6M-1.6% | -$14.4M |
| Capital Expenditures | $123K-63.7% | $338K+187.6% | $117K-54.0% | $255K-9.5% | $282K |
| Free Cash Flow | -$10.4M+58.9% | -$25.2M-47.0% | -$17.2M-15.4% | -$14.9M-1.3% | -$14.7M |
| Investing Cash Flow | -$258K-0.6% | -$257K+80.9% | -$1.3M+73.0% | -$5.0M+9.1% | -$5.5M |
| Financing Cash Flow | -$725K-0.4% | -$722K-101.1% | $63.1M+81.3% | $34.8M+200.3% | $11.6M |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
MNY Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Net Margin | -7.0%+40.5pp | -47.5% | -214.0% | -72.6%-22.6pp | -50.0% |
| Return on Equity | -13.1%+65.2pp | -78.3%+139.9pp | -218.3%+94.2pp | -312.5%+69.3pp | -381.8% |
| Current Ratio | 2.02-0.4x | 2.44-0.6x | 3.00+1.7x | 1.25 | N/A |
| Debt-to-Equity | 0.010.0x | 0.010.0x | 0.000.0x | 0.02 | N/A |
| FCF Margin | -14.1%+17.6pp | -31.7%-10.5pp | -21.3%+0.6pp | -21.8%+1.9pp | -23.7% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Return on Assets.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
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Where MoneyHero Limited Ranks
Frequently Asked Questions
What is MoneyHero Limited's annual revenue?
MoneyHero Limited (MNY) reported $73.4M in total revenue for fiscal year 2025. This represents a -7.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is MoneyHero Limited's revenue growing?
MoneyHero Limited (MNY) revenue declined by 7.7% year-over-year, from $79.5M to $73.4M in fiscal year 2025.
Is MoneyHero Limited profitable?
No, MoneyHero Limited (MNY) reported a net income of -$5.2M in fiscal year 2025, with a net profit margin of -7.0%.
How much debt does MoneyHero Limited have?
As of fiscal year 2025, MoneyHero Limited (MNY) had $31.2M in cash and equivalents against $240K in long-term debt.
What is MoneyHero Limited's net profit margin?
MoneyHero Limited (MNY) had a net profit margin of -7.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is MoneyHero Limited's return on equity (ROE)?
MoneyHero Limited (MNY) has a return on equity of -13.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is MoneyHero Limited's free cash flow?
MoneyHero Limited (MNY) recorded an outflow of $10.4M in free cash flow during fiscal year 2025. This represents a 58.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is MoneyHero Limited's operating cash flow?
MoneyHero Limited (MNY) recorded an outflow of $10.2M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are MoneyHero Limited's capital expenditures?
MoneyHero Limited (MNY) invested $123K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is MoneyHero Limited's current ratio?
MoneyHero Limited (MNY) had a current ratio of 2.02 as of fiscal year 2025, which is generally considered healthy.
What is MoneyHero Limited's debt-to-equity ratio?
MoneyHero Limited (MNY) had a debt-to-equity ratio of 0.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
How does MoneyHero Limited's liquidity compare with its operating cash outflow?
At the end of fiscal year 2025, MoneyHero Limited (MNY) held $31.2M in cash, cash equivalents and investments, and reported an operating cash outflow of $10.2M over that year. Dividing the one by the other, the reported balance equals about 37 months of the outflow reported that year. This is arithmetic over figures already filed, not a projection: it assumes nothing about future spending, financing or operations.
Are MoneyHero Limited's earnings high quality?
MoneyHero Limited (MNY) reported a net loss of $5.2M while operations used $10.2M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.